• Personal Loans
  • Vehicle Finance
  • Debt Consolidation
  • Guides & Insights
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Debt Consolidation

Combine multiple loans and credit cards into a single loan with one easy payment.

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Excellent - Based on 2378 reviews

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Lending people simplicity.

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Simple
100% Online

Enjoy simplicity by consolidating up to $30,000 of debt into a single loan with one easy payment.

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Fairer
Clearer

$174 Establishment Fee.
$0 Monthly Fee.
$0 Early Repayment Fee.

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One-stop
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If we can't approve your application, we can seek other options from a panel of trusted lenders.

How does this work?

We make lending a breeze.

Our online platform enables you to get a personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.

  • Borrow from $3,000 to $30,000 unsecured
  • Repay your loan over 1, 2, 3, 4, or 5 years
  • Weekly, fortnightly, or monthly repayments
  • Personalised interest rates fixed for the term of the loan

Fairer, clearer fees.

  • $174 Establishment Fee
  • $0 Monthly Fee
  • $0 Early Repayment Fee

Penalty fees for missed payments:

  • Up to $120 Default Fee payable at 31 days overdue
  • Up to $120 Default Fee payable at 61 days overdue
  • Additional interest at the contract interest rate is charged on the amount in arrears

Boost your likelihood of approval.

If we can't approve your loan, our dedicated team can help secure offers from a range of other trusted lenders, including:

  • Avanti Finance
  • Finance Now
  • Latitude Financial Services
  • MTF Finance
  • Nectar
  • Unity Credit Union

We have assisted customers in securing over $400 million in personal loans this way.

Loan Repayment Calculator

$10000|

$3000

$30,000

FOR HOW LONG

5 years

1 year

5 years

ESTIMATED REPAYMENTS FROM

$0/wk

$0 total

$0/mth

$0 total

Calculated at an example rate of 14.95% p.a.² Not an offer of finance.APPLY NOW

Are you looking for a little more help?

You can consolidate personal loans, car loans, hire purchases, credit cards, and buy-now-pay-later balances. When you complete your application, you will need to list all your debts, and you will be able to tick the ones you want to consolidate.

You can discover your personalised rate in just a few moments. Our unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

Your loan repayments depend on the amount borrowed, your interest rate, and the loan term. Use our loan calculator to estimate your repayments.

Yes, you can pay off your loan in full at any time. We do not charge an early repayment fee.

We’ve helped Kiwis simplify over
$100 million of debt.

Learn more about us
  • Qualified financial advisers
  • Fast, efficient service
  • Smart, secure technology

Regain control over your debts.

  • One simple payment
  • Potential costs savings
  • No early repayment fees⁴
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Trustpilot review stars

Excellent - Based on 2378 reviews

Such a positive experience

Simple online platform. Easy to navigate. Staff interaction and communication is excellent.

Justine, NZ

Jan 22, 2024

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 11, 2024

Excellent service

Excellent service and communication. Such an easy and efficient process

Alex, NZ

Dec 19, 2023

Transparent

The process was so simple and fast. The whole process and loan disbursement was in less than 24 hours. The customer service was great. High level of transparency.

Kavin, NZ

Dec 7, 2023

Seamless

The process was seamless and the dedicated advisors was an absolute god send.

Tyrese A, NZ

Jan 17, 2024

Such a positive experience

Simple online platform. Easy to navigate. Staff interaction and communication is excellent.

Justine, NZ

Jan 22, 2024

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 11, 2024

It pays to
compare.

Already have a personal loan? Don't miss out on potential savings! Use our platform to see if we can offer you a lower rate on your existing loan. It's a simple, smart move that could save you money.

CHECK YOUR RATE

Looking for something else?

Personal Loans

Get your personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.

Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.

Learn MoreGet your rate

Vehicle Finance

Go shopping for your new vehicle as a cash buyer, with an unsecured car loan.

Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.

  • Loan Types
  • Personal Loan
  • Debt Consolidation Loans
  • Vehicle Finance
  • Important Information
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  • Disclosure Statement

¹If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.